Author

Shiqi Fang

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Preprint Oct 2026

Discrete-Time Survival Modelling with Dynamic Industrial Graphs for Mortgage Credit Risk

Mortgage credit risk may exhibit dependence across economically connected areas, even when they are geographically distant. However, current models typically represent cross-area dependence through fixed geographical neighbourhoods, potentially overlooking economic connections that extend beyond physical proximity and...

Shi-Qi Fang · 0 citations

Preprint Jul 2026

Effort-Centric Fairness in Lending Decisions

An effort-centric framework that measures an applicant's effort as the minimum weighted cost of feasible changes required to cross the approval boundary is developed and shows that effort parity complements predictive fairness by revealing and mitigating hidden barriers to future credit access while making the associat...

Shiqi Fang, Zexun Chen, J. Ansell · 0 citations